10. Liability, Indemnity, Governing Law, and Dispute Resolution 10.1. To the fullest extent permitted by law, We exclude all liability for any personal injury, property damage, loss of profit, or other injury, damage, loss, or harm, whether direct, indirect, consequential, or incidental, irrespective of whether it arises due to the Our failure, error, or delay, that You may suffer, including from Your use of Products or participation in Operations. 10.2. Any liability We may have to you will be limited to the actual amount of any loss or damage You incur or suffer. 10.3. We are not liable for acts, omissions, or policies of any Third Parties, including but not limited to Affiliated Entities, (other) Staff, Visitors, Users, Registrants, Participants, or Attendees, or for any personal injury, property damage, loss of profit, or other injury, damage, loss, or harm arising from or relating to such in connection with Products or Operations. 10.4. We are not liable for any errors, delay, or failure to perform obligations under this Agreement if this is due to anything beyond the Our reasonable control, such as: 10.4.1. acts of God, war, terrorism, pandemics, strikes, lockouts, industrial action, labour disputes, fire, flood, explosion, governmental acts or regulations; 10.4.2. the failure, directly or indirectly of any power supply, machine, data processing system, data transmission link, or telephone link; 10.4.3. a card not being accepted by a retailer, Third Party software, terminal, cash machines, or otherwise, for whatever reason. 10.5. We are not responsible for any technical malfunctions of any network, computer, online systems, servers, providers, computer equipment, software, etc. on the website, or any combination thereof, including for any injury or damage to Your computer hardware or software related to or resulting from using, accessing any information, clicking any link, or downloading any materials from, the Site. 10.6. You agree to indemnify, defend, advance expenses, and hold harmless the WMILAR from and against any claims, losses, damages, liabilities, penalties, or expenses of any type, including reasonable attorneys' fees and expenses, incurred by them in any actual or threatened action, suit or proceeding, whether civil, criminal, administrative or investigative, arising out of Your use of services and products provided by Us. 10.7. You will be liable to Us for, and agree to indemnify Us against, all actions, claims, costs, damages, demands, expenses, liabilities, losses, and proceedings We directly or indirectly incur, or which are brought against Us if You have: 10.7.1. acted fraudulently; 10.7.2. been negligent; 10.7.3. misused or abused these Terms; or 10.7.4. breached any Agreement with Us. 10.8. You will be liable to Us for, and agree to indemnify Us against, all actions, claims, costs, damages, demands, expenses, liabilities, losses, and proceedings We directly or indirectly incur, or which are brought against Us except: 10.8.1. in the case of a fraud to which You were not a party (unless You have failed to make any required notification, acted fraudulently, been negligent, misused or abused these Terms, and/or breached any Agreement with us); or 10.8.2. if You can prove a relevant failing or error on the part of the WMILAR. 10.9. If We do not enforce any of the rights We have under this Agreement, or if we delay in enforcing them, that does not prevent Us from taking any action to enforce our rights in the future. 10.10. These Terms and this Agreement shall be governed by, and construed and interpreted in accordance with, the laws of the United States of America ('USA'), without giving effect to conflict of laws. The parties hereby submit to the sole and exclusive jurisdiction of the state and federal courts in the USA, including in relation to any dispute arising out of or in connection with these Terms or this Agreement. 10.11. Before commencing any court proceedings, You agree to exhaust the complaints procedure of the WMILAR (outlined in Clause 9), and then at least one of the following alternative dispute resolution mechanisms: mediation, negotiation, or arbitration, as may be agreed or as may be provided for by any pre-action protocols in the jurisdiction of the courts of the USA. This is without prejudice to either party's legal rights.